Life Insurance for Defense Personnel

Serving your country in the military is a dangerous job so you want to ensure that your family is protected. Life insurance for defense personnel is specifically designed to provide support for the families of deceased service members. Military life insurance is something that every service member should manage as a part of their financial portfolio. Compare different companies to find the best life insurance rates.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jan 5, 2021

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Quick Facts

  • Life insurance for defense personnel is designed for the armed forces.
  • It’s the only type of life insurance that will cover your high-risk occupation.
  • More providers are starting to provide this type of life insurance.

Life insurance can be difficult to find for those that have dangerous jobs. Many insurance companies avoid covering police and military personnel since they’re considered high risk. Life insurance for defense personnel covers members of the armed forces.

Companies offering life insurance for defense personnel understand the needs of servicemen and tailor their solutions accordingly. This includes plans that are designed to protect them during war and war-like situations.

Enter your ZIP code and compare life insurance for military personnel in your area to find affordable quotes.

What is defense personnel life Insurance?

Life insurance for defense personnel supports active-duty military personnel and their families. This type of life insurance is exclusively available for those serving in the military. There are different customizable options that will allow a member and their family to be protected.

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Why do service members need life insurance for defense personnel?

The armed forces is a dangerous profession. You want to make sure that your family is financially protected should something happen while serving your country. Life insurance for defense personnel ensures that your family will receive this protection.

There are various government programs designed to provide support for those serving in the armed forces. However, sometimes these programs don’t offer what is needed by an individual service member.

Insurance companies, like Pramerica Life Insurance, have developed plans that allow for increased options that offer better coverage. This can result in higher returns for family members should something happen to an individual.

How is life insurance for defense personnel different?

Most insurance policies don’t cover high-risk situations. It’s impossible to avoid high-risk situations in the military when your job is to protect your fellow countrymen.

Defense personnel life insurance has coverage options for each branch of the military. These policies cover the specific situations that they might encounter. Many of these situations won’t be covered under general policies but will under a defense personnel policy.

What categories of insurance can you buy?

There are two types of life insurance that you can purchase. Term life insurance plans are more affordable but only cover a specific amount of time. Whole life insurance plans are more expensive but cover an entire lifetime.

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Life Insurance for Defense Personnel Advantages and Disadvantages

There are many advantages of life insurance for armed forces service members but there are also some disadvantages. Let’s look at some of the advantages and disadvantages of these life insurance policies.

Pros and Cons of Life Insurance for Defence Personnel
ProsCons
Offers coverage for a high-risk profession.Not all insurance providers offer this coverage.
Protects family following the death of a service member.Limited in your choice of policies.
Affordable premiums.
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While there are currently limited options for this type of life insurance policy, more insurance companies are providing these options for service members of the armed forces.

Three Tips When Buying Life Insurance for Defense Personnel

There are certain things that you should remember when buying life insurance as a member of the armed forces. Knowing these tips will ensure that you’re covered as needed.

Tip One: Don’t Depend on Insurance Agents

It can be tempting to depend on an insurance agent to find life insurance for you. However, an insurance agent might not know everything you need or understand what is needed for a member of the armed forces.

Tip Two: Revisit Insurance Needs

As your financial portfolio grows, your insurance needs will change. It’s important to revisit your insurance coverage when major changes are made, such as getting married or having children, to ensure that your coverage meets your needs.

Tip Three: Consider Disability Insurance

Life insurance only covers your family in the event of your death. Joining the armed services is a dangerous occupation. While you might not lose your life, you could become permanently disabled. Disability insurance will assist you should you be unable to work.

Life Insurance for Defense Personnel: What’s the bottom line?

Members of the armed forces can find it difficult to acquire life insurance. Life insurance for defense personnel is designed to cover these brave people who protect their country.

If you’re in need of life insurance for armed forces, compare the rates of companies that offer this type of life insurance to find the one that best fits you.

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Frequently Asked Questions- Life Insurance for Defense Personnel

Below are some common questions people ask about life insurance for defense personnel.

#1 – What is the best life insurance for members of the armed forces?

Everybody’s situation in life is different so each person needs to carefully evaluate their available options. This includes looking at all options and quotes from various insurance companies.

#2 – Is there anything life insurance for defense personnel doesn’t cover?

This type of life insurance covers anything that might occur during your service, including a war fatality.

#3 – Does my insurance company offer life insurance for the armed forces?

Not all insurance companies offer this type of coverage, but some of the top providers have started offering these coverage types.

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